Campbell Wealth Management - April 2019

Follow us on:

CampbellWealth.com • (703) 535-5300 • 330 John Carlyle St., Suite 400, Alexandria, Virginia 22314

THE CAMPBELL FAMILY is Back in Action

I t has been a really eventful start to spring for the Campbell family! It seems with all the great things happening at the Campbell Wealth Management office, I haven’t had a chance to share what’s been going on in the lives of my family. So, let’s catch up a bit! My wife, Kim, is hard at work on the third book of her Triple Crown trilogy. She published the first book, “The Calm Before the Storm,” back in 2015. Then in 2017, she released “Eye of the Storm.” Now, part three is on the horizon. Carter If you aren’t familiar with the books, each one features a leg of the Triple Crown: the Kentucky Derby, Preakness Stakes, and Belmont Stakes. This final book of the trilogy will feature the Belmont Stakes. A lot of people have been asking for updates, and I can tell you, Kim is getting close to getting her exciting

recruiting 19 pitchers with seven lefties, which severely limited his chance to play. As a result, Connor is looking at other Division I schools. He wants to be on a team where he can make an impact. As much as

I know he wanted to play for Maryland, he’s kept his head up. I know he’ll find a great opportunity, and I’m excited to see where he lands. Carter, my middle son, is back in action with Sunset Slush Italian Ice. He’s busier than ever. This year, he has several events lined up, and he’s adding more to his calendar just about every week. He’s going to have a busy summer, for sure. What really impresses me is Carter’s initiative.

He’s really taken to the business side of things, and he’s following in his dad’s entrepreneurial footsteps. Codie, my youngest and only daughter, has taken a leave of absence from horseback riding. Kim, as a horseback riding enthusiast, isn’t the most excited about this

story wrapped up. I’ll keep you posted as I hear firm details about the book’s release.

Codie

Connor, my oldest son, is in the middle of planning

Conner

his future. He didn’t have much luck at the

University of Maryland. He was up against some tough competition. He had wanted to play baseball for Maryland, but they ended up

Continued on Page 3 ...

Call Us Today (703) 535-5300 • 1

The ManyWonders of Omega-3s

One Little Pill That Can Do Your Body Good Cognitive Function Benefits Several studies have concluded that regularly consuming omega-3 fatty acids can help maintain cognitive function. While research shows no cognitive recovery in extremely elderly subjects who already suffer from dementia, evidence indicates that taking fish oil on a regular basis may prevent or postpone the onset of cognitive decline. Omega-3 consumption may also improve the quality of life for individuals suffering from depression or anxiety at any age. WhichOmega-3 Supplement Is Right forMe? If you eat fatty fish several times a week every week, you may already get enough omega-3s, but it can be difficult to get a therapeutic dose of fish oil from food alone on a regular basis. A fish oil supplement can provide additional fatty acids. Look for an ingredient list that specifically shows EPA and DHA; some brands use misleading labeling that only shows the total amount of fish oil rather than the actual omega-3s. Recommendations vary, but most sources indicate that a dosage of 1,000–2,000 milligrams (1–2 grams) of combined EPA and DHA provides benefits. If the smell or “fish burps” bother you, choose enteric-coated capsules, which dissolve in the small intestine rather than the stomach. Omega-3 caps also come in vegan options sourced from seaweed and algae.

At Campbell Wealth Management, health is a pretty big deal. We encourage healthy habits among our team and clients. After all, when you live a healthy lifestyle, you get more out of retirement. That said, a recent study has been making waves on TV and the internet. Published in the scientific journal Stroke (which is published by the American Heart Association), this study looked into the consumption of diet soda. Many people turn to diet soda in an effort to cut sugar out of their diet while still enjoying the bubbly beverages they love. However, despite being sugar-free and zero-calorie, diet sodas are not the healthier option that drink makers would have us believe. The Stroke study looked at a group of about 80,000 women between the ages of 50 and 79. These were women who drank two or more diet beverages per day. The end result of the study was startling. Researchers found a link between the consumption of diet soda and an elevated risk for stroke, heart attack, Type 2 diabetes, obesity, and more. Here’s how a few of the numbers broke down: • 23 percent were more likely to have a stroke Because fish oil is said to improve everything fromheart health to chronic dry eye, it may sound a bit like, well, snake oil. But this brilliant little supplement packs a big punch, especially for older adults. Heart Health Benefits The omega-3 fatty acids docosahexaenoic acid (DHA) and eicosapentaenoic acid (EPA) have been shown to support heart health inmultiple ways. TheMayo Clinic cites research suggesting that higher levels of EPA are associated with a reduced risk of congestive heart failure in older adults. Studies also report that people withmoderate to severe hypertension typically see a positive effect on their blood pressure if they regularly take omega-3s. Joint and Eye Benefits Omega-3 fatty acids can reduce pain, stiffness, and swelling associated with osteoarthritis and other joint disorders by lubricating the joints and acting as an anti-inflammatory. As we age, our ability to produce tears diminishes. Fish oil’s lubricating and anti-inflammatory properties also make it a great treatment for and defense against chronic dry eye.

A NEW STUDY LOOKS AT THE LINK Between Diet Soda and Stroke

While these numbers are shocking, especially considering how popular diet drinks are, there are other factors to keep in mind. It isn’t necessarily the diet drinks themselves that are leading to an increased risk of these conditions, but the type of lifestyle.

As the lead author of the study noted, “Many well- meaning people, especially those who are overweight or obese, drink low-calorie sweetened drinks to cut calories in their diet.” Research has shown that people consume more calories overall when they drink diet beverages. They end up eating more, for instance, because they “saved” on calories. To add to all of this, other studies do suggest artificial sweeteners may be harmful to our bodies. While this new study doesn’t confirm that artificial sweeteners are the direct cause of the increased risk of heart attack and stroke, we should take more consideration in the artificial ingredients we consume.

• 31 percent were more likely to have a clot-related stroke • 29 percent were more likely to develop heart disease

2 • CampbellWealth.com

The 2 Most Common Ways Criminals Steal From Seniors

AND HOW TO SPOT THEM

Scamming older adults has become big business. According to the American Journal for Public Health, an estimated 5 percent of seniors are hoodwinked by criminals

If you ever receive a contract from an unknown entity out of nowhere, you should start seeing red flags. Unless you remember entering a contest, there is no chance you’ve won something. And it’s vital to understand that it is never safe to give out financial information over the phone or via email. Computer Software Service Fraud This type of scam is slightly more sophisticated. First, a hacker will call a victim and claim to be a member of a tech support team or an employee from a trusted company likeMicrosoft or Apple. Then, they’ll tell the victim there is a problemwith their phone or computer and that if they cooperate with the “tech support” representative, they can sort it out with no problem. They may also ask you to install a piece of software on your device or provide credit card information to “validate your software.” The fact is that well-known tech companies will never send unsolicited emails to ask for your personal or financial information, and they definitely won’t ask you to install some shady software on your computer. If you ever receive a call out of the blue from “Microsoft,” hang up the phone immediately. The first step to stopping these criminals in their tracks is to be aware of their tactics. With these tips in your arsenal, you’ll be able to defend yourself and your bank account effectively.

every year, and that statistic is thought to be a steep underestimate since so many scams go unreported. To stem the tide of seniors unknowingly giving $36 billion to scammers annually, it’s important for retirees and their loved ones to get savvy on the subject. Here are the two of the most common scams older folks fall prey to—and how to avoid them. Advanced Fee Fraud The most common con in 2017 and 2018 was the classic “You’ve won a sweepstakes!” scam. Victims are told they’ve won some exorbitant amount of money, but they must pay a fee to receive the prize. After the “fee” is paid, victims receive a fake check in the mail, but by the time it bounces, the scammers are gone and they’ve taken the money.

Upcoming Events

... Continued from cover

4 Pillars of Retirement Planning Great Falls Library Wednesday, April 17 at 1 PM or 6:30 PM Social Security

decision, but Codie is still plenty busy. In fact, Codie has really gotten into theater. Over the past several months, Codie has worked on a number of different plays through Encore Stage & Studio. She’s worked behind the scenes and on the stage. Earlier this year, she was a police officer in the play “The Enchanted Bookshop.” And she loved every second of it! I have a feeling she’s going to be attending a theater or drama school in the near future. Finally, as for myself, well, you probably know I broke my toe over the holidays. Over a period of about four weeks afterward, I met with my podiatrist 15 times. He wanted to make sure I healed up well and that no infection set in. All in all, things are well and we are looking forward to some warmer days ahead!

Optimization Reston Association Thursday, April 25 at 1 PM or 6:30 PM

Kelly Campbell

Call Us Today (703) 535-5300 • 3

700 S. Washington St. Suite 220 Alexandria, Virginia 22314 (703) 535-5300 CampbellWealth.com

PRST STD US POSTAGE PAID BOISE, ID PERMIT 411

CampbellWealth.com (703) 535-5300 330 John Carlyle St., Suite 400 Alexandria, Virginia 22314

Inside

1

What Has the Campbell Family Been Up To? The Many Wonders of Omega-3s Is There a Link Between Diet Soda and Stroke? 2 Tactics Criminals Use to Steal

2

3

from Older Adults Upcoming Events 3 Travel Myths Debunked

4

Securities offered only by duly registered individuals through Madison Avenue Securities, LLC (MAS), member FINRA/SIPC. Advisory services offered only by duly registered individuals through Campbell Wealth Management, LLC (CWM), a Registered Investment Advisor. MAS and CWM are not affiliated entities.

3 Travel Myths You Should Stop Believing

Traveling has many social and educational benefits, but some people have hesitations that prevent them from jetting off on new adventures. Below are three debunked travel myths to give you some ease as you plan your summer vacation! Myth: Vacations are expensive.

do your research by reading travel blogs, websites, and books to find places that have been vetted by others. Traveling in groups can also be a great way to lower your risk of danger. As long as you plan ahead, you will have a safe trip. Myth: Jet lag is caused by a lack of sleep.

Fact: You can travel anywhere on a budget. Tracking flights to score the best deal, setting spending limits, and packing meals are a fewways to save money.

Fact: While jet lag canmake you sleepy, it’s actually caused by a disruption in your circadian rhythm. Our bodies are cyclical, and the circadian rhythm is set by both a natural need for your body to reset and outside forces, such as your job, time zone, and diet. Travel can disrupt this rhythm and routine, which leaves you

Hostels and Airbnbs are great alternatives to spendy hotel stays. Additionally, you don’t have to cross the country to have a great trip. Every state has museums, unique roadside attractions, historical sites, and a booming nightlife. When you know your price limits and what you want to do, traveling can be a fun and inexpensive venture. Myth: Traveling is dangerous. Fact: If you’re smart about what you do and where you go, traveling can be safe. Go with your gut and only stay somewhere that is approved by travel guides. Visit places you feel comfortable in, and

lethargic during and after your vacation. Sticking to water before and during your

flights and staying physically active during and after traveling are great ways to fight jet lag and get back into your normal rhythm.

Don’t let these travel myths keep you from seeing the world. Set a budget, go with your gut, and prepare for a shifting

rhythm to make your next adventure the best one yet.

4 • CampbellWealth.com